System and method for enhancing financial transactions at a point-of-sale

ABSTRACT

Embodiments of the disclosure enable a computing system to enhance one or more financial transactions. The computing system identifies a cardholder account used to enter into a financial transaction, identifies a merchant and/or a primary product associated with the financial transaction, analyzes cardholder data associated with the cardholder account and account data associated with the merchant and/or the primary product to determine a secondary product, generate presentation data for presenting product information associated with the secondary product, and receive selection data associated with the secondary product such that the financial transaction is enhanced with the secondary product. Aspects of the disclosure provide for enhancing the financial transaction with a secondary product tailored to the cardholder, provided or promoted by the merchant, and/or useable with the primary product in a constructive, complementary, and/or effective manner.

FIELD OF THE DISCLOSURE

The subject matter described herein relates generally to processingtransactions and, more specifically, to systems and methods forenhancing one or more financial transactions at a point-of-sale (POS).

BACKGROUND

Some merchants use promotions to encourage their customers to purchasegoods and/or services. With the range of promotions available to acustomer, however, identifying a promotion of interest may be tedious,time-consuming, and/or overwhelming. For example, promotions generatedbased on general industry data or conventional knowledge typicallytarget a middle range of the general public and, thus, may not berelevant to at least some customers.

To target their own customers, at least some merchants employ a customerloyalty program that generates merchant-oriented data. Such data,however, is typically limited to data pertaining to customers' spend atthe merchant and, if the customers do not consistently present thecustomer loyalty cards with each interaction, the data may not berepresentative of the customers' interests, preferences, and/ortendencies.

SUMMARY

Embodiments of the disclosure enable a computing system to enhance oneor more financial transactions. The computing system includes one ormore memory devices storing data associated with one or more cardholderaccounts and computer-executable instructions, and one or moreprocessors configured to execute the computer-executable instructions toidentify a first cardholder account used to enter into a financialtransaction, identify a merchant and/or at least one primary productassociated with the financial transaction, analyze cardholder dataassociated with the first cardholder account and account data associatedwith the merchant and/or the primary product to determine one or moresecondary products, generate presentation data for presenting productinformation associated with the secondary products, and receiveselection data associated with at least one secondary product such thatthe financial transaction is enhanced with the secondary product.

In another aspect, one or more computer storage media embodied withinstructions executable by one or more processors for enhancing one ormore financial transactions are provided. The computer storage mediaincludes a primary transaction component, and a secondary transactioncomponent. The primary transaction component identifies a cardholderaccount used to enter into a financial transaction, and identifies amerchant and/or at least one primary product associated with thefinancial transaction. The secondary transaction component determinesone or more secondary products based on the cardholder account and themerchant and/or the primary product, generates presentation data forpresenting product information associated with the secondary products,and receives selection data associated with at least one secondaryproduct such that the financial transaction is enhanced with thesecondary product.

In yet another aspect, a computer-implemented method is provided forenhancing one or more financial transactions. The computer-implementedmethod includes identifying a cardholder account used to enter into afinancial transaction, identifying a merchant and/or at least one firstproduct associated with the financial transaction, analyzing cardholderdata associated with the cardholder account and account data associatedwith the merchant and/or the first product to determine one or moresecond products configured to enhance the financial transaction,generating presentation data for presenting product informationassociated with the second products, and receiving selection dataassociated with at least one second product such that the financialtransaction is enhanced with the second product.

This Summary is provided to introduce a selection of concepts in asimplified form that are further described below in the DetailedDescription. This Summary is not intended to identify key features oressential features of the claimed subject matter, nor is it intended tobe used as an aid in determining the scope of the claimed subjectmatter.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram illustrating an example environment forprocessing one or more financial transactions.

FIG. 2 is a block diagram illustrating an example ecosystem forenhancing one or more financial transactions.

FIG. 3 is a block diagram illustrating a computing system that includesa plurality of example components that may be used to enhance one ormore financial transactions.

FIG. 4 is a flowchart of an example method that may be used forenhancing one or more financial transactions using a computing system,such as the computing system shown in FIG. 3.

FIG. 5 is a sequence diagram for enhancing one or more financialtransactions in an ecosystem, such as the ecosystem shown in FIG. 2.

FIG. 6 is a block diagram of an example operating environment forprocessing one or more financial transactions.

Corresponding reference characters indicate corresponding partsthroughout the drawings.

DETAILED DESCRIPTION

The subject matter described herein relates to systems and methods forenhancing one or more financial transactions at a point-of-sale (POS). APOS may refer, for example, to a location at which a customer entersinto a financial transaction. Embodiments of the disclosure enable oneor more opportunities for enhancing a financial transaction to beidentified. Additionally, the embodiments described herein facilitateusing at least one of the identified opportunities to enhance thefinancial transaction. Such opportunities may include or be associatedwith, for example, a product (e.g., a good or service) tailored to thecustomer that entered into the financial transaction, a product providedor promoted by a merchant associated with the financial transaction,and/or a product useable with a primary product associated with thefinancial transaction in a constructive, complementary, and/or effectivemanner.

Aspects of the disclosure provide for a computing system that processesone or more financial transactions in an environment including aplurality of devices coupled to each other via a network (e.g., a localarea network (LAN), a wide area network (WAN), the Internet). Forexample, a system server may be used to communicate with one or moreother computing systems (e.g., a merchant system, an account system, auser device) to identify and obtain account data associated with acardholder, a merchant, and/or a product associated with a financialtransaction, use the account data to generate and transmit presentationdata associated with one or more opportunities for enhancing thefinancial transaction, and receive selection data associated with aselected opportunity such that the selected opportunity may be used toenhance the financial transaction. In this manner, data associated witha present financial transaction may be efficiently obtained from aplurality of data sources, and the data may be timely used to enhancethe present financial transaction.

The systems and processes described herein may be implemented usingcomputer programming or engineering techniques including computersoftware, firmware, hardware or a combination or subset thereof. Atleast one technical problem with known systems is that, with the sheermagnitude of content available or accessible to a computing system, itcan be difficult, time-consuming, and/or onerous to identify content ofinterest. Another technical problem with at least some known systems isthat the data used to generate and/or identify content may be dated,limited, and/or irrelevant, resulting in the content itself being dated,limited, and/or irrelevant. The embodiments described herein address atleast these technical problems.

By processing financial transactions in the manner described in thisdisclosure, some embodiments improve user experience, user efficiency,user interaction performance, and/or communication between systems byusing a central system server to communicate with one or more othercomputing systems to identify data associated with a present financialtransaction, and use the identified data to determine one or moreproducts that may be used to enhance the present financial transaction.Additionally, some embodiments may reduce processor load by reducing anamount of data to be analyzed or processed, reduce network bandwidthusage by reducing an amount of data to be transmitted, improve processorsecurity and/or data transmission security by managing access to variousaccounts, and/or reduce error rate by automating the analysis andprocessing of financial transactions.

The technical effect of the systems and processes described herein isachieved by performing at least one of the following operations: a)receive a request for authorization associated with a financialtransaction; b) identify a cardholder account used to enter into thefinancial transaction; c) identify a merchant and/or a primary productassociated with the financial transaction; d) determine whether therequest for authorization includes account data associated with themerchant and/or the primary product; e) generate a request forinformation associated with the merchant and/or the primary product; f)receive account data associated with the merchant and/or the primaryproduct; g) analyze cardholder data associated with the cardholderaccount and the account data to determine a secondary product; h)generate presentation data for presenting product information associatedwith the secondary product; i) analyze the cardholder data to identifythe presentation device; j) receive selection data associated with thesecondary product; and/or k) generate a response to the request forauthorization.

FIG. 1 is a block diagram illustrating an example environment 100 forprocessing one or more financial transactions. The environment 100includes a processing network 110, such as the MASTERCARD® brand paymentprocessing network (MASTERCARD® is a registered trademark of MasterCardInternational Incorporated located in Purchase, N.Y.). The MASTERCARD®brand payment processing network is a propriety network for exchangingfinancial transaction data 430 between members of the MASTERCARD® brandpayment processing network.

The environment 100 includes one or more merchants 120 that acceptpayment via the processing network 110. To accept payment via theprocessing network 110, the merchant 120 establishes a financial accountwith an acquirer 130 that is a member of the processing network 110. Theacquirer 130 is a financial institution that maintains a relationshipwith one or more merchants 120 to enable the merchants 120 to acceptpayment via the processing network 110. The acquirer 130 may also beknown as an acquiring bank, a processing bank, or a merchant bank.

The environment 100 includes one or more issuers 140 that issue orprovide payment cards 150 (e.g., credit card, debit card, prepaid card,and the like) or other payment products to one or more cardholders 160or, more broadly, account holders (“cardholder” and “account holder” maybe used interchangeably herein). The issuer 140 is a financialinstitution that maintains a relationship with one or more cardholders160 to enable the cardholders 160 to make a payment using the paymentcard 150 via the processing network 110.

A cardholder 160 uses a payment product, such as a payment card 150, topurchase a good or service from a merchant 120. In some embodiments, thepayment card 150 is linked or associated with electronic wallettechnology or contactless payment technology, such as a radio frequencyidentification (RFID)-enabled device, a BLUETOOTH® brand wirelesstechnology-enabled device, a ZIGBEE® brand communication-enabled device,a WI-FI® brand local area wireless computing network-enabled device, anear field communication (NFC) wireless communication-enabled device,and/or any other device that enables the payment card 150 to purchase agood or service from a merchant 120. (BLUETOOTH® is a registeredtrademark of Bluetooth Special Interest Group, ZIGBEE® is a registeredtrademark of the ZigBee Alliance, and WI-FI® is a registered trademarkof the Wi-Fi Alliance). The cardholder 160 may use any payment productthat is linked or associated with a corresponding cardholder accountmaintained by an issuer 140. As described herein, the term “paymentcard” includes credit cards, debit cards, prepaid cards, digital cards,smart cards, and any other payment product that is linked or associatedwith a corresponding cardholder account maintained by an issuer 140.Payment cards 150 may have any shape, size, or configuration thatenables the environment 100 to function as described herein.

A cardholder 160 may present the merchant 120 with a payment card 150 tomake a payment to the merchant 120 in exchange for a good or service.Alternatively, the cardholder 160 may provide the merchant 120 withaccount information associated with the payment card 150 withoutphysically presenting the payment card 150 (e.g., for remote financialtransactions including e-commerce transactions, card-not-presenttransactions, or card-on-file transactions). Account information mayinclude a name of the cardholder 160, an account number, an expirationdate, and/or a security code (such as a card verification value (CVV), acard verification code (CVC), and the like).

The merchant 120 requests authorization from an acquirer 130 for atleast the amount of the purchase. The merchant 120 may requestauthorization using any financial transaction computing deviceconfigured to transmit the account information of the cardholder 160 toone or more financial transaction processing computing devices of theacquirer 130. For example, the merchant 120 may request authorizationthrough a point-of-sale (POS) terminal, which reads account informationfrom a microchip or magnetic stripe on the payment card 150, andtransmits the account information to the one or more financialtransaction processing computing devices of the acquirer 130. Foranother example, the POS terminal reads account information from adevice configured to communicate with the POS terminal using contactlesspayment technology, and transmits the account information to one or morefinancial transaction processing computing devices of the acquirer 130.

Using the processing network 110, the financial transaction processingcomputing devices of the acquirer 130 communicate with one or morefinancial transaction processing computing devices of an issuer 140 todetermine whether the account information matches or corresponds to theaccount information of the issuer 140, whether the cardholder account isin good standing, and/or whether the purchase is covered by (e.g., lessthan) a credit line or account balance associated with the cardholderaccount. Based on these determinations, the financial transactionprocessing computing devices of the issuer 140 may determine whether toapprove or decline the request for authorization from the merchant 120.

If the request for authorization is declined, the merchant 120 isnotified as such, and may request authorization from the acquirer 130for a lesser amount or request an alternative form of payment from thecardholder 160. If the request for authorization is approved, anauthorization code is issued to the merchant 120, and the cardholder'savailable credit line or account balance is decreased. The financialtransaction is then settled between the merchant 120, the acquirer 130,the issuer 140, and/or the cardholder 160. Settlement typically includesthe acquirer 130 reimbursing the merchant 120 for selling the good orservice, and the issuer 140 reimbursing the acquirer 130 for reimbursingthe merchant 120. When a credit card is used, the issuer 140 may billthe cardholder 160 to settle the cardholder account (e.g., a credit cardaccount). When a debit or prepaid card is used, the issuer 140 mayautomatically withdraw funds from the cardholder account (e.g., achecking account, a savings account).

FIG. 2 is a block diagram illustrating an example ecosystem 200 thatincludes a merchant system 210 (e.g., POS terminal) that allows acustomer, such as a cardholder 160, to enter into one or more financialtransactions. For example, a merchant 120 may receive cardholder accountinformation (e.g., name of the cardholder 160, cardholder accountidentifier, expiration date, security code) from the cardholder 160 atthe merchant system 210 for entering into a financial transactionassociated with at least one primary product (e.g., a first good orservice).

Based on the received cardholder account information, the merchantsystem 210 may generate a request for authorization, and transmit therequest for authorization to a system server 220 (e.g., a financialtransaction processing computing device of the issuer 140) that storesand maintains data associated with one or more cardholder accounts. Therequest for authorization may include, for example, transaction dataassociated with the financial transaction, such as the cardholderaccount information and a transaction amount associated with thefinancial transaction.

In response to receiving a request for authorization, the system server220 is configured to process the request for authorization to identify acardholder account used to enter into the financial transaction. Forexample, the cardholder account information included in the request forauthorization may be used to identify or select, from the cardholderaccounts stored and maintained at the system server 220, a firstcardholder account. In some embodiments, the first cardholder accountincludes or is associated with account data, such as data associatedwith the cardholder 160 (e.g., cardholder data 222). Cardholder data 222may include, for example, a user identifier (e.g., an identificationnumber, biometric data), a geolocation (e.g., street address, city,state, Zone Improvement Plan (ZIP) code), a transaction history, anemployment status, an income level, an amount of liquid assets, anamount of recurring payments (e.g., housing payment), a debt level, adebit-to-income ratio, a credit score, contact data (e.g., home address,telephone number, email address), and/or user preferences.

The system server 220 is configured to analyze the account dataassociated with the first cardholder account to process the financialtransaction. For example, the system server 220 may identify an accountthreshold (e.g., available credit line, available account balance)associated with the first cardholder account, and determine whether thetransaction amount satisfies the account threshold. If the transactionamount satisfies the account threshold (e.g., the transaction amount isless than or equal to the account threshold), the system server 220 mayapprove the request for authorization and generate a response to therequest for authorization in accordance with the approval. On the otherhand, if the transaction amount does not satisfy the account threshold(e.g., the transaction amount is greater than the account threshold),the system server 220 may decline the request for authorization andgenerate a response to the request for authorization in accordance withthe declination.

In some embodiments, the system server 220 identifies the merchant 120and/or primary product associated with the financial transaction forenhancing the financial transaction. For example, the system server 220may analyze the request for authorization to identify account dataassociated with the merchant 120 (e.g., merchant data 224) and/or withthe primary product (e.g., product data 226). Merchant data 224 mayinclude, for example, a merchant identifier (e.g., an identificationnumber), a geolocation (e.g., street address, city, state, ZIP code), anindustry (e.g., North American Industry Classification System (NAICS)code), an ownership status, a footprint, a sales volume, a foot trafficvolume, a product range, a target market, and/or a consumer interface.Product data 226 may include, for example, a product identifier (e.g.,an identification number, Universal Product Code (UPC) data,stock-keeping unit (SKU) data), a product specification, a product type(e.g., North American Product Classification System (NAPCS) code), aquantity, an availability, a price, a list of associated products (e.g.,other products useable with the primary product in a constructive,complementary, and/or effective manner), and/or a promotion or discount.

Additionally or alternatively, the system server 220 may communicatewith one or more other computing systems, such as an account system 230,to obtain cardholder data 222, merchant data 224, and/or product data226 for enhancing the financial transaction. The account system 230 mayinclude or be associated with any entity that enables the system server220 to function as described herein including, without limitation, agovernment agency, a business organization, a membership organization,and/or a registry.

The cardholder data 222, merchant data 224, and/or product data 226 maybe used to enhance the financial transaction. For example, the systemserver 220 may analyze the cardholder data 222 and the merchant data 224and/or product data 226 to identify or determine one or more secondaryproducts (e.g., a second good or service) that may be used to enhancethe financial transaction. The identified secondary product may be, forexample, tailored to the cardholder 160, provided or promoted by themerchant 120, and/or useable with the primary product for enhancing thefinancial transaction. In some embodiments, one or more secondaryproducts may be identified or determined to enhance a payment card-basedfinancial transaction and/or a cash-based financial transaction.

Upon determining the secondary products, the system server 220 isconfigured to generate presentation data 232 for presenting productinformation associated with the determined secondary products. In someembodiments, the system server 220 identifies a delivery mechanism(e.g., a presentation device) configured to present information, anduses the delivery mechanism to present the product information to a userof the delivery mechanism (e.g., merchant 120, cardholder 160). Thedelivery mechanism may be identified, for example, based on cardholderdata 222, merchant data 224, and/or product data 226.

In some embodiments, the system server 220 identifies the merchantsystem 210 as the presentation device, and transmits the presentationdata 232 to the merchant system 210 to enable the merchant 120 topresent the product information to the cardholder 160. Additionally oralternatively, the system server 220 may identify a user device 240 asthe presentation device, and transmit the presentation data 232 to theuser device 240 (e.g., via push notification, email, text message,telephone call, and/or voicemail) such that the user device 240 isconfigured to present the product information to the cardholder 160.Upon receiving selection data 242 that indicates a selection of at leastone secondary product, the system server 220 is configured to enhancethe financial transaction with the secondary product.

The ecosystem 200 includes one or more communication networks 250 thatenable data to be transferred between a plurality of computing devices(e.g., merchant system 210, system server 220, account system 230, userdevice 240) coupled to the communication network 250. Examplecommunication networks 250 include a cellular or mobile network and theInternet. Alternatively, the communication network 250 may be anycommunication medium that enables the ecosystem 200 to function asdescribed herein including, for example, a personal area network (PAN),a LAN, and/or a WAN.

FIG. 3 is a block diagram illustrating an example computing system 300(e.g., system server 220) that allows a cardholder 160 to enter into oneor more financial transactions and enhance the financial transactions.For example, the computing system 300 may facilitate enhancing afinancial transaction associated with one or more primary products withone or more secondary products. To enable the computing system 300 toprocess one or more transactions in the manner described in thisdisclosure, the computing system 300 may include an interface component310, a primary transaction component 320, and/or a secondary transactioncomponent 330.

The interface component 310 enables the computing system 300 to receivedata from and/or transmit data to another computing system, such as themerchant system 210 (shown in FIG. 2), the account system 230 (shown inFIG. 2), and/or the user device 240 (shown in FIG. 2). For example, theinterface component 310 may be configured to communicate with themerchant system 210 to receive a request for authorization associatedwith a financial transaction and transmit a response to the request forauthorization. Additionally, the interface component 310 may beconfigured to communicate with a presentation device associated with themerchant system 210 and/or the user device 240 to transmit productinformation associated with one or more secondary products and receiveselection data 242 that indicates a selection of at least one secondaryproduct.

In some embodiments, the interface component 310 is coupled to acommunication network 250 (shown in FIG. 2) that facilitatescommunication between the computing system 300 and one or more othercomputing systems (e.g., merchant system 210, account system 230, userdevice 240). Additionally or alternatively, the interface component 310may be coupled to the primary transaction component 320 and to thesecondary transaction component 330 to facilitate inter-computing system300 communication between the interface component 310, primarytransaction component 320, and the secondary transaction component 330,and/or intra-computing system 300 communication between the primarytransaction component 320 and/or the secondary transaction component 330and one or more other computing systems.

The primary transaction component 320 enables the computing system 300to process one or more financial transactions associated with theprimary product. In some embodiments, the primary transaction component320 is configured to receive (e.g., via the interface component 310) arequest for authorization associated with a financial transaction,identify a cardholder account used to enter into the financialtransaction, identify a merchant 120 and/or a primary product associatedwith the financial transaction, generate a response to the request forauthorization, and/or transmit (e.g., via the interface component 310)the response.

The secondary transaction component 330 enables the computing system 300to process one or more financial transactions associated with thesecondary product. In some embodiments, the secondary transactioncomponent 330 is configured to analyze cardholder data 222, merchantdata 224, and/or product data 226 to determine one or more secondaryproducts, generate and transmit (e.g., via the interface component 310)presentation data 232 for presenting product information associated withthe secondary products, receive (e.g., via the interface component 310)selection data 242 associated with at least one secondary product, andprocess the selection data 242 to enhance the financial transaction withthe secondary product.

In some embodiments, the secondary transaction component 330 usescardholder data 222 stored and maintained at the system server 220 todetermine the secondary products. Additionally or alternatively, thesecondary transaction component 330 may communicate with anothercomputing system (e.g., merchant system 210, account system 230, userdevice 240) to obtain cardholder data 222 from the other computingsystem for using the obtained cardholder data 222 to determine thesecondary products. For example, the secondary transaction component 330may be configured to generate and transmit (e.g., via the interfacecomponent 310) a request for information associated with the cardholder160 to the account system 230 for obtaining cardholder data 222 from theaccount system 230.

In some embodiments, the secondary transaction component 330 maycommunicate with another computing system (e.g., merchant system 210,account system 230, user device 240) to obtain merchant data 224 and/orproduct data 226 from the other computing system for using the obtainedmerchant data 224 and/or product data 226 to determine the secondaryproducts. For example, the secondary transaction component 330 may beconfigured to generate and transmit (e.g., via the interface component310) a request for information associated with the merchant 120 and/orprimary product to the account system 230 for obtaining merchant data224 and/or product data 226 from the account system 230. Additionally oralternatively, the secondary transaction component 330 may use merchantdata 224 and/or product data 226 stored and maintained at the systemserver 220 to determine the secondary products. In some embodiments, thesecondary transaction component 330 determines whether the secondarytransaction component 330 includes, stores, or has access to themerchant data 224 and/or product data 226, and, if the secondarytransaction component 330 does not include, store, or have access to themerchant data 224 and/or product data 226, transmits the request forinformation for obtaining the merchant data 224 and/or product data 226.

The secondary transaction component 330 is configured to identify one ormore presentation devices for presenting product information associatedwith the secondary products. If the merchant system 210 is identified asthe presentation device, the secondary transaction component 330 maytransmit (e.g., via the interface component 310) the presentation data232 to the merchant system 210 for presenting product information andprompting a user of the merchant system 210 (e.g., the merchant 120) toselect at least one secondary product for enhancing the financialtransaction. The merchant 120 may communicate with the cardholder 160,for example, to present the product information to the cardholder 160,and select at least one secondary product for the cardholder 160. On theother hand, if the user device 240 is identified as the presentationdevice, the secondary transaction component 330 may transmit (e.g., viathe interface component 310) the presentation data 232 to the userdevice 240 for presenting the product information and prompting a userof the user device 240 (e.g., the cardholder 160) to select at least onesecondary product for enhancing the financial transaction.

In some embodiments, the secondary transaction component 330 processes asingle, enhanced financial transaction in which a single payment may bemade in exchange for the primary product and the secondary product. Forexample, the presentation data 232 may be transmitted (e.g., via theinterface component 310) for presenting product information prior toprocessing a payment for the primary product (e.g., before a response tothe request for authorization is generated or transmitted). In thismanner, the cardholder 160 may be allowed to purchase the secondaryproduct before or substantially concurrently with the primary product.If selection data 242 associated with the secondary product is received(e.g., via the interface component 310) prior to processing the paymentfor the primary product and if the primary product and the secondaryproduct are available for purchase from the merchant 120, the secondarytransaction component 330 may be configured to process a single,enhanced financial transaction associated with the primary product andthe secondary product. For example, the response to the request forauthorization may be generated to include or be associated with adisposition (e.g., approval, declination) of the single, enhancedfinancial transaction.

Alternatively, a first payment may be made in exchange for the primaryproduct in a first financial transaction, and a second payment may bemade in exchange for the secondary product in a distinct, secondfinancial transaction such that the secondary product enhances the firstfinancial transaction. For example, the presentation data 232 may betransmitted (e.g., via the interface component 310) substantiallyconcurrently with or after the response to the request for authorizationis generated or transmitted for presenting product informationassociated with the secondary product. In this manner, the cardholder160 may be allowed to purchase at least one secondary product after theprimary product. In some embodiments, the response to the request forauthorization associated with the first financial transaction may begenerated to include or be associated with the presentation data 232such that the presentation data 232 is transmittable (e.g., via theinterface component 310) with the response to the request forauthorization. If selection data 242 associated with the secondaryproduct is received (e.g., via the interface component 310) subsequentto processing the payment for the primary product (e.g., after theresponse to the request for authorization associated with the firstfinancial transaction is generated or transmitted), the secondarytransaction component 330 may be configured to identify selection data242 as a request for authorization associated with a second financialtransaction, and generate a response to the request for authorization toinclude or be associated with a disposition of the second financialtransaction.

For another example, the secondary product may be available for purchasefrom an entity other than the merchant 120 (e.g., the secondary productis not available for purchase from the merchant 120). In this manner,the cardholder 160 may be allowed to purchase at least one secondaryproduct from another entity (e.g., another merchant 120). In someembodiments, the secondary transaction component 330 identifies anothercomputing system, such as another merchant system 210, that allows thecardholder 160 to purchase one or more secondary products from an entityassociated with the other computing system. If selection data 242indicates a selection of at least one secondary product that isassociated with an entity other than the merchant 120, the secondarytransaction component 330 may be configured to identify the financialtransaction associated with the primary product as a first financialtransaction, and the selection data 242 as a request for authorizationassociated with a second financial transaction. The first financialtransaction and the second financial transaction may be independentlyprocessed. For example, the secondary transaction component 330 may beconfigured to generate a response to the request for authorizationassociated with the first financial transaction to include or beassociated with a disposition of the first financial transaction, and aresponse to the request for authorization associated with the secondfinancial transaction to include or be associated with a disposition ofthe second financial transaction.

FIG. 4 is a flowchart of an example method 400 for enhancing one or morefinancial transactions using a computing system, such as a system server220 (shown in FIG. 2). In some embodiments, the system server 220receives a request for authorization associated with a financialtransaction. The request for authorization may include at least somedata useable to process the financial transaction. For example, therequest for authorization may include cardholder account information(e.g., cardholder account identifier, expiration data, security code)that may be used to identify at 410 a cardholder account used to enterinto the financial transaction, and transaction data (e.g., atransaction amount) that may be used to determine whether to approve ordecline the request for authorization. In some embodiments, thecardholder account information is used to access the cardholder accountand identify account data (e.g., account threshold) stored andmaintained at the system server 220. The transaction amount may becompared to the account threshold for determining whether to approve ordecline the request for authorization. For example, if the transactionamount is less than or equal to an account threshold (e.g., availablecredit line, available account balance) associated with the identifiedcardholder account, the request for authorization may be approved. Onthe other hand, if the transaction amount is greater than the accountthreshold, the request for authorization may be declined.

In addition to being used for processing the financial transaction, thecardholder account information and/or the transaction data may be usedfor enhancing the financial transaction. In some embodiments, at leastsome account data stored and maintained at the system server 220, suchas cardholder data 222, may be used to identify the cardholder 160 andone or more characteristics associated with the cardholder 160.Additionally or alternatively, the request for authorization may begenerated to include account data (e.g., merchant data 224, product data226) stored and maintained at the merchant system 210, such that theaccount data may be used to identify at 420 the merchant 120 and/or oneor more primary products associated with the financial transaction andone or more characteristics associated with the merchant 120 and/or theprimary products.

Cardholder data 222, merchant data 224, and/or product data 226 may beused to determine at 430 one or more secondary products configured toenhance the financial transaction. The determined secondary products maybe, for example, tailored to the cardholder 160, provided or promoted bythe merchant 120, and/or useable with the primary product in aconstructive, complementary, and/or effective manner. Additionally oralternatively, the secondary products may be determined based at leastpartially on data other than that included in the request forauthorization or stored and maintained at the system server 220.

In some embodiments, the system server 220 determines whether the dataat the system server 220 (e.g., data obtained from another computingsystem and/or stored and maintained at the system server 220) does notsatisfy a predetermined data threshold, and, on condition that thepredetermined data threshold is not satisfied, communicates with one ormore other computing systems to obtain data for determining thesecondary products. For example, the system server 220 may communicatewith the merchant system 210 to obtain cardholder data 222, merchantdata 224, and/or product data 226 stored and maintained at the merchantsystem 210 that is not included in the request for authorization. Foranother example, the system server 220 may communicate with an accountsystem 230 to obtain cardholder data 222, merchant data 224, and/orproduct data 226 stored and maintained at the account system 230. Theaccount system 230 may be identified, for example, based on account dataat the system server 220. For yet another example, the system server 220may communicate with a user device 240 associated with the cardholder160 to obtain cardholder data 222, merchant data 224, and/or productdata 226 stored and maintained at the user device 240. The user device240 may be identified, for example, based on cardholder data 222obtained from another computing system and/or stored and maintained atthe system server 220.

Upon determining the secondary products, presentation data 232 isgenerated at 440 for presenting product information associated with thedetermined secondary products at one or more presentation devices. Forexample, the system server 220 may transmit the presentation data 232 toa merchant system 210 for presenting the product information to a userof the merchant system 210 (e.g., merchant 120). Additionally oralternatively, the presentation data 232 may be transmitted to a userdevice 240 for presenting the product information to a user of the userdevice 240 (e.g., cardholder 160). In some embodiments, a user of thepresentation device is prompted to select at least one secondary productfor enhancing the financial transaction. Upon receiving user input thatindicates a selection of at least one secondary product, selection data242 associated with the selected secondary product is generated andtransmitted to the system server 220. The selection data 242 is receivedat the system server 220 at 450 and processed to enhance the financialtransaction with the selected secondary product.

In one scenario, a grocer (i.e., a merchant 120) and a plurality ofgroceries (i.e., primary products) associated with the financialtransaction is identified at 420. Account data associated with thecardholder 160 (e.g., age, annual income, home address) and account dataassociated with the grocer (e.g., business address) and/or the groceries(e.g., estimated weight) is analyzed to determine at 430 that a grocerybag service (i.e., secondary product) may be used to enhance thefinancial transaction. For example, the system server 220 may identifythat the home address of the cardholder 160 within a predetermineddelivery zone associated with the merchant 120. Additionally oralternatively, the system server 220 may generate one or more metricsassociated with a likelihood that the cardholder 160 may be interestedin the grocery bag service based on the age, annual income, and/or homeaddress of the cardholder 160, and determine whether an aggregate metricsatisfies a predetermined grocery bag service threshold for identifyingthe grocery bag service as a secondary product. Grocery bag service mayinclude, for example, at least partially delivering the groceries fromthe business address of the grocer to the home address of the cardholder160, such as loading groceries into vehicle, shipping groceries betweenthe business address and the home address, unloading groceries fromvehicle, and/or positioning groceries in the cardholder's home.Additionally or alternatively, a food preparation service, a reusableshopping bag, and/or a kitchen utensil may also be identified as beinguseable to enhance the financial transaction.

FIG. 5 is a sequence diagram for an example method 500 for enhancing oneor more financial transactions in an ecosystem 200 (shown in FIG. 2). Insome embodiments, a merchant system 210 generates at 505 a request forauthorization associated with a financial transaction, and transmits at510 the request for authorization to a system server 220 for processingthe financial transaction. The request for authorization may include,for example, account information, transaction data, merchant data 224,and/or product data 226 for authenticating or confirming an identity ofa user (e.g., the cardholder 160), processing the financial transaction,and enhancing the financial transaction.

The system server 220 identifies at 515 a cardholder account used toenter into the financial transaction based on the account information, amerchant 120 associated with the financial transaction based on themerchant data 224, and/or a primary product associated with thefinancial transaction based on the product data 226. In someembodiments, the system server 220 determines at 520 whether thecardholder data 222 associated with the cardholder account, merchantdata 224, and/or product data 226 satisfy a data threshold. The datathreshold may be determined to be satisfied, for example, if the systemserver 220 is configured to enhance the financial transaction.

If the data threshold is not satisfied (e.g., the system server 220 isnot configured to enhance the financial transaction), the system server220 may obtain other data to enable the system server 220 to enhance thefinancial transaction. For example, the system server 220 may generateat 525 a request for information, identify a data source that stores andmaintains account data associated with the cardholder 160 (e.g.,cardholder data 222), the merchant 120 (e.g., merchant data 224), and/orthe primary product (e.g., product data 226), and transmit at 530 therequest for information to the identified data source. For example, therequest for information may be transmitted to an account system 230.Upon receiving the request for information, the account system 230 mayidentify at 535 cardholder data 222, merchant data 224, and/or productdata 226 in accordance with the request for information, and transmit at540 the identified cardholder data 222, merchant data 224, and/orproduct data 226 to the system server 220. Additionally oralternatively, the request for information may be transmitted to andprocessed at any computing system that stores and maintains cardholderdata 222, merchant data 224, and/or product data 226, such as themerchant system 210 and/or a user device 240 associated with thecardholder 160.

If the data threshold is satisfied (e.g., the system server 220 isconfigured to enhance the financial transaction), the system server 220determines at 545 one or more secondary products that may enhance thefinancial transaction. In some embodiments, the system server 220generates at 550 presentation data 232 associated with the secondaryproducts, identifies a presentation device configured to presentinformation, and transmits at 555 the presentation data 232 to theidentified presentation device. For example, the presentation data 232may be transmitted to the merchant system 210. Upon receiving thepresentation data 232, the merchant system 210 may use the presentationdata 232 to prompt a user of the merchant system 210 (e.g., merchant120) to select at least one secondary product for enhancing thefinancial transaction. The merchant system 210 may generate at 560selection data 242 associated with the selected secondary product, andtransmit at 565 the selection data 242 to the system server 220.Additionally or alternatively, the presentation data 232 may betransmitted to and processed at any computing system that may presentinformation to the cardholder 160 and/or an entity associated with thecardholder 160, such as the user device 240.

Upon receiving the selection data 242, the system server 220 may processthe selection data 242 with the request for authorization associatedwith the financial transaction. For example, the system server 220 mayprocess a single, enhanced financial transaction associated with theprocessing of both the request for authorization and the selection data242. Alternatively, the system server 220 may separately process therequest for authorization in a first financial transaction and theselection data 242 in a second financial transaction such that theselected secondary product enhances the first financial transaction. Insome embodiments, a response to the request for authorization isgenerated at 570, and transmitted at 575 to the merchant system 210. Ifthe selection data 242 is processed separate from the request forauthorization, the system server 220 may generate and transmit aresponse to the selection data 242 to the merchant system 210.

FIG. 6 is a block diagram of an example operating environment 600 thatmay be used to process one or more financial transactions. The operatingenvironment 600 is only one example of a computing and networkingenvironment and is not intended to suggest any limitation as to thescope of use or functionality of the disclosure. The operatingenvironment 600 should not be interpreted as having any dependency orrequirement relating to any one or combination of components illustratedin the example operating environment 600.

The disclosure is operational with numerous other computing andnetworking environments or configurations. While some examples of thedisclosure are illustrated and described herein with reference to theoperating environment 600 being or including a system server 220 (shownin FIG. 2) or a computing system 300 (shown in FIG. 3), aspects of thedisclosure are operable with any computing device (e.g., merchant system210, account system 230, user device 240, interface component 310,primary transaction component 320, secondary transaction component 330)that executes instructions to implement the operations and functionalityassociated with the operating environment 600.

For example, the operating environment 600 may include a mobile device,a smart watch or device, a mobile telephone, a phablet, a tablet, aportable media player, a netbook, a laptop, a desktop computer, apersonal computer, a server computer, a computing pad, a kiosk, atabletop device, an industrial control device, a multiprocessor system,a microprocessor-based system, a set top box, programmable consumerelectronics, a network computer, a minicomputer, a mainframe computer, adistributed computing environment that include any of the above systemsor devices, and the like. The operating environment 600 may represent agroup of processing units or other computing devices. Additionally, anycomputing device described herein may be configured to perform anyoperation described herein including one or more operations describedherein as being performed by another computing device.

With reference to FIG. 6, an example system for implementing variousaspects of the disclosure may include a general purpose computing devicein the form of a computer 610. Components of the computer 610 mayinclude, but are not limited to, a processing unit 620 (e.g., aprocessor), a system memory 625 (e.g., a computer-readable storagedevice), and a system bus 630 that couples various system componentsincluding the system memory 625 to the processing unit 620. The systembus 630 may be any of several types of bus structures including a memorybus or memory controller, a peripheral bus, and a local bus using any ofa variety of bus architectures. By way of example, and not limitation,such architectures include Industry Standard Architecture (ISA) bus,Micro Channel Architecture (MCA) bus, Enhanced ISA (EISA) bus, VideoElectronics Standards Association (VESA) local bus, and PeripheralComponent Interconnect (PCI) bus also known as Mezzanine bus.

The processing unit 620 includes any quantity of processing units, andthe instructions may be performed by the processing unit 620 or bymultiple processors within the operating environment 600 or performed bya processor external to the operating environment 600. The processingunit 620 may be programmed to execute the computer-executableinstructions for implementing aspects of the disclosure, such as thoseillustrated in the figures (e.g., FIGS. 4 and 5). For example, theprocessing unit 620 may be programmed to communicate with or execute aninterface component 310 (shown in FIG. 3), a primary transactioncomponent 320 (shown in FIG. 3), and/or a secondary transactioncomponent 330 (shown in FIG. 3) for implementing aspects of thedisclosure.

Upon programming or execution of these components, the operatingenvironment 600 and/or processing unit 620 is transformed into a specialpurpose microprocessor or machine. For example, the primary transactioncomponent 320, when executed by the processing unit 620, causes thecomputer 610 to identify a cardholder account used to enter into afinancial transaction, and identify a merchant 120 and/or at least oneprimary product associated with the financial transaction; and/or thesecondary transaction component 330, when executed by the processingunit 620, causes the computer 610 to determine one or more secondaryproducts based on the identified cardholder account and the identifiedmerchant 120 and/or primary product, generate presentation data 232 forpresenting product information associated with the determined secondaryproducts, and receive selection data 242 associated with at least onesecondary product. Although the processing unit 620 is shown separatefrom the system memory 625, embodiments of the disclosure contemplatethat the system memory 625 may be onboard the processing unit 620 suchas in some embedded systems.

In some embodiments, the system memory 625 stores computer-executableinstructions, authentication data, transaction data, cardholder data222, merchant data 224, product data 226, and/or other data. The systemmemory 625 includes any quantity of media associated with or accessibleby the processing unit 620. For example, the system memory 625 mayinclude computer storage media in the form of volatile and/ornonvolatile memory, such as read only memory (ROM) 631 and random accessmemory (RAM) 632. The ROM 631 may store a basic input/output system 633(BIOS) that facilitates transferring information between elements withincomputer 610, such as during start-up. The RAM 632 may contain dataand/or program modules that are immediately accessible to and/orpresently being operated on by processing unit 620. By way of example,and not limitation, FIG. 6 illustrates operating system 634, applicationprograms 635, other program modules 636, and program data 637.

The computer 610 includes a variety of computer-readable media.Computer-readable media may be any available media that may be accessedby the computer 610 and includes both volatile and nonvolatile media,and removable and non-removable media. By way of example, and notlimitation, computer-readable media may comprise computer storage mediaand communication media. Computer storage media includes volatile andnonvolatile, removable and non-removable media implemented in any methodor technology for storage of information such as computer-readableinstructions, data structures, program modules or other data. ROM 631and RAM 632 are examples of computer storage media. Computer storagemedia are tangible and mutually exclusive to communication media.Computer storage media for purposes of this disclosure are not signalsper se. Example computer storage media includes, but is not limited to,hard disks, flash drives, solid state memory, RAM, ROM, electricallyerasable programmable read-only memory (EEPROM), flash memory or othermemory technology, CDs, DVDs, or other optical disk storage, magneticcassettes, magnetic tape, magnetic disk storage or other magneticstorage devices, or any other medium which may be used to store thedesired information and which may accessed by the computer 610. Computerstorage media are implemented in hardware and exclude carrier waves andpropagated signals. Any such computer storage media may be part ofcomputer 610.

Communication media typically embodies computer-readable instructions,data structures, program modules or other data in a modulated datasignal such as a carrier wave or other transport mechanism and includesany information delivery media. The term “modulated data signal” means asignal that has one or more of its characteristics set or changed insuch a manner as to encode information in the signal. By way of example,and not limitation, communication media includes wired media such as awired network or direct-wired connection, and wireless media such asacoustic, RF, infrared and other wireless media.

A user (e.g., merchant 120, cardholder 160) may enter commands andinformation into the computer 610 through one or more input devices,such as a pointing device 661 (e.g., mouse, trackball, touch pad), akeyboard 662, a microphone 663, and/or an electronic digitizer 664(e.g., tablet). Other input devices not shown in FIG. 6 may include ajoystick, a game pad, a controller, a satellite dish, a camera, ascanner, an accelerometer, or the like. These and other input devicesmay be coupled to the processing unit 620 through a user input interface665 that is coupled to the system bus 630, but may be connected by otherinterface and bus structures, such as a parallel port, game port or auniversal serial bus (USB).

Information, such as text, images, audio, video, graphics, alerts, andthe like, may be presented to a user via one or more presentationdevices, such as a monitor 666, a printer 667, and/or a speaker 668.Other presentation devices not shown in FIG. 6 may include a projector,a vibrating component, or the like. These and other presentation devicesmay be coupled to the processing unit 620 through a video interface 669(e.g., for a monitor 666 or a projector) and/or an output peripheralinterface 670 (e.g., for a printer 667, a speaker 668, and/or avibration component) that are coupled to the system bus 630, but may beconnected by other interface and bus structures, such as a parallelport, game port or a USB. In some embodiments, the presentation deviceis integrated with an input device configured to receive informationfrom the user (e.g., a capacitive touch-screen panel, a controllerincluding a vibrating component). Note that the monitor 666 and/or touchscreen panel may be physically coupled to a housing in which thecomputer 610 is incorporated, such as in a tablet-type personalcomputer.

The computer 610 may operate in a networked environment using logicalconnections to one or more remote computers, such as a remote computer680. The remote computer 680 may be a personal computer, a server, arouter, a network PC, a peer device or other common network node, andtypically includes many or all of the elements described above relativeto the computer 610, although only a memory storage device 681 has beenillustrated in FIG. 6. The logical connections depicted in FIG. 6include one or more local area networks (LAN) 682 and one or more widearea networks (WAN) 683, but may also include other networks. Suchnetworking environments are commonplace in offices, enterprise-widecomputer networks, intranets and the Internet.

When used in a LAN networking environment, the computer 610 is coupledto the LAN 682 through a network interface or adapter 684. When used ina WAN networking environment, the computer 610 may include a modem 685or other means for establishing communications over the WAN 683, such asthe Internet. The modem 685, which may be internal or external, may beconnected to the system bus 630 via the user input interface 665 orother appropriate mechanism. A wireless networking component includingan interface and antenna may be coupled through a device, such as anaccess point or peer computer to a LAN 682 or WAN 683. In a networkedenvironment, program modules depicted relative to the computer 610, orportions thereof, may be stored in the remote memory storage device. Byway of example, and not limitation, FIG. 6 illustrates remoteapplication programs 686 as residing on memory storage device 681. Itmay be appreciated that the network connections shown are examples andother means of establishing a communications link between the computersmay be used.

The block diagram of FIG. 6 is merely illustrative of an example systemthat may be used in connection with one or more examples of thedisclosure and is not intended to be limiting in any way. Further,peripherals or components of the computing devices known in the art arenot shown, but are operable with aspects of the disclosure. At least aportion of the functionality of the various elements in FIG. 6 may beperformed by other elements in FIG. 6, or an entity (e.g., processor,web service, server, applications, computing device, etc.) not shown inFIG. 6.

Although described in connection with an example computing systemenvironment, embodiments of the disclosure are capable of implementationwith numerous other general purpose or special purpose computing systemenvironments, configurations, or devices. Embodiments of well-knowncomputing systems, environments, and/or configurations that may besuitable for use with aspects of the disclosure include, but are notlimited to, mobile computing devices, personal computers, servercomputers, hand-held or laptop devices, multiprocessor systems, gamingconsoles, microprocessor-based systems, set top boxes, programmableconsumer electronics, mobile telephones, mobile computing and/orcommunication devices in wearable or accessory form factors (e.g.,watches, glasses, headsets, earphones, and the like), network PCs,minicomputers, mainframe computers, distributed computing environmentsthat include any of the above systems or devices, and the like. Suchsystems or devices may accept input from the cardholder in any way,including from input devices such as a keyboard or pointing device, viagesture input, proximity input (such as by hovering), and/or via voiceinput.

Embodiments of the disclosure may be described in the general context ofcomputer-executable instructions, such as program modules, executed byone or more computers or other devices in software, firmware, hardware,or a combination thereof. The computer-executable instructions may beorganized into one or more computer-executable components or modules.Generally, program modules include, but are not limited to, routines,programs, objects, components, and data structures that performparticular tasks or implement particular abstract data types. Aspects ofthe disclosure may be implemented with any number and organization ofsuch components or modules. For example, aspects of the disclosure arenot limited to the specific computer-executable instructions or thespecific components or modules illustrated in the figures and describedherein. Other embodiments of the disclosure may include differentcomputer-executable instructions or components having more or lessfunctionality than illustrated and described herein.

The embodiments illustrated and described herein as well as embodimentsnot specifically described herein but within the scope of aspects of thedisclosure constitute example means for facilitating the enhancement ofone or more financial transactions. For example, the elementsillustrated in FIGS. 1-3, 5, and 6, such as when encoded to perform theoperations illustrated in FIGS. 4 and 5, constitute at least an examplemeans for identifying a cardholder account used to enter into afinancial transaction (e.g., primary transaction component 320); anexample means for identifying a merchant and/or at least one primaryproduct associated with the financial transaction (e.g., primarytransaction component 320); an example means for analyzing cardholderdata 222 associated with the cardholder account and account dataassociated with the merchant (e.g., merchant data 224) and/or theprimary product (e.g., product data 226) to determine one or moresecondary products configured to enhance the financial transaction(e.g., secondary transaction component 330); an example means forgenerating presentation data 232 for presenting product informationassociated with the secondary products (e.g., secondary transactioncomponent 330); and/or an example means for receiving selection data 242associated with at least one secondary product (e.g., secondarytransaction component 330).

The order of execution or performance of the operations in embodimentsof the disclosure illustrated and described herein is not essential,unless otherwise specified. That is, the operations may be performed inany order, unless otherwise specified, and embodiments of the disclosuremay include additional or fewer operations than those disclosed herein.For example, it is contemplated that executing or performing aparticular operation before, contemporaneously with, or after anotheroperation is within the scope of aspects of the disclosure.

When introducing elements of aspects of the disclosure or theembodiments thereof, the articles “a,” “an,” “the,” and “said” areintended to mean that there are one or more of the elements.Furthermore, references to an “embodiment” or “example” of the presentdisclosure are not intended to be interpreted as excluding the existenceof additional embodiments or examples that also incorporate the recitedfeatures. The terms “comprising,” “including,” and “having” are intendedto be inclusive and mean that there may be additional elements otherthan the listed elements. The phrase “one or more of the following: A,B, and C” means “at least one of A and/or at least one of B and/or atleast one of C.”

Having described aspects of the disclosure in detail, it will beapparent that modifications and variations are possible withoutdeparting from the scope of aspects of the disclosure as defined in theappended claims. As various changes could be made in the aboveconstructions, products, and methods without departing from the scope ofaspects of the disclosure, it is intended that all matter contained inthe above description and shown in the accompanying drawings shall beinterpreted as illustrative and not in a limiting sense.

In some embodiments, the operations illustrated in the drawings may beimplemented as software instructions encoded on a computer readablemedium, in hardware programmed or designed to perform the operations, orboth. For example, aspects of the disclosure may be implemented as asystem on a chip or other circuitry including a plurality ofinterconnected, electrically conductive elements.

While the aspects of the disclosure have been described in terms ofvarious embodiments with their associated operations, a person skilledin the art would appreciate that a combination of operations from anynumber of different embodiments is also within scope of the aspects ofthe disclosure.

What is claimed is:
 1. A computing system for enhancing one or morefinancial transactions, the computing system comprising: one or morememory devices storing data associated with one or more cardholderaccounts, and computer-executable instructions; and one or moreprocessors configured to execute the computer-executable instructionsto: identify a first cardholder account of the one or more cardholderaccounts, the first cardholder account used to enter into a firstfinancial transaction of the one or more financial transactions;identify one or more of a merchant or at least one primary productassociated with the first financial transaction; analyze cardholder dataassociated with the first cardholder account and account data associatedwith the one or more of the merchant or the at least one primary productto determine one or more secondary products; generate presentation datafor presenting, at a presentation device, product information associatedwith the one or more secondary products; and receive, from thepresentation device, selection data associated with at least onesecondary product of the one or more secondary products such that thefirst financial transaction is enhanced with the at least one secondaryproduct.
 2. The computing system of claim 1, wherein the one or moreprocessors are further configured to execute the computer-executableinstructions to: receive a request for authorization associated with thefirst financial transaction, the request for authorization including anaccount identifier associated with the first cardholder account, thefirst cardholder account identified based on the account identifier; andgenerate a response to the request for authorization.
 3. The computingsystem of claim 1, wherein the one or more processors are furtherconfigured to execute the computer-executable instructions to: receive arequest for authorization associated with the first financialtransaction; and generate a response to the request for authorization,the response including the presentation data.
 4. The computing system ofclaim 1, wherein the one or more processors are further configured toexecute the computer-executable instructions to: receive a request forauthorization associated with the first financial transaction; determinewhether the request for authorization includes the account dataassociated with the one or more of the merchant or the at least oneprimary product; and on condition that the request for authorizationdoes not include the account data, generate a request for informationassociated with the one or more of the merchant or the at least oneprimary product, and receive the account data, the one or more of themerchant or the at least one primary product identified based on theaccount data.
 5. The computing system of claim 1, wherein the one ormore processors are further configured to execute thecomputer-executable instructions to: generate a request for informationassociated with the one or more of the merchant or the at least oneprimary product; and receive the account data associated with the one ormore of the merchant or the at least one primary product, the one ormore of the merchant or the at least one primary product identifiedbased on the account data.
 6. The computing system of claim 1, whereinthe one or more processors are further configured to execute thecomputer-executable instructions to analyze the cardholder data toidentify the presentation device.
 7. The computing system of claim 1,wherein the one or more processors are further configured to execute thecomputer-executable instructions to: generate a request for informationassociated with a cardholder of the first cardholder account; transmit,to an account system, the request for information; and receive, from theaccount system, the cardholder data.
 8. The computing system of claim 1,wherein the one or more processors are further configured to execute thecomputer-executable instructions to: generate a request for informationassociated with the one or more of the merchant or the at least oneprimary product; transmit, to an account system, the request forinformation; and receive, from the account system, the account data. 9.One or more computer storage media embodied with instructions executableby one or more processors for enhancing one or more financialtransactions, the one or more computer storage media comprising: aprimary transaction component that, upon execution by the one or moreprocessors, identifies a cardholder account used to enter into a firstfinancial transaction of the one or more financial transactions, andidentifies one or more of a merchant or at least one primary productassociated with the first financial transaction; and a secondarytransaction component that, upon execution by the one or moreprocessors, determines one or more secondary products based on theidentified cardholder account and the identified one or more of themerchant or the at least one primary product, generates presentationdata for presenting product information associated with the determinedone or more secondary products, and receives selection data associatedwith at least one secondary product of the one or more secondaryproducts such that the first financial transaction is enhanced with theat least one secondary product.
 10. The one or more computer storagemedia of claim 9, wherein the primary transaction component isconfigured to receive a request for authorization associated with thefirst financial transaction, and generate a response to the request forauthorization.
 11. The one or more computer storage media of claim 9,wherein the primary transaction component is configured to receive arequest for authorization associated with the first financialtransaction, and the secondary transaction component is configured togenerate a response to the request for authorization to include thepresentation data.
 12. The one or more computer storage media of claim9, wherein the primary transaction component is configured to receive arequest for authorization associated with the first financialtransaction, and the secondary transaction component is configured todetermine whether the request for authorization includes one or more ofmerchant data associated with the merchant or product data associatedwith the at least one primary product.
 13. The one or more computerstorage media of claim 9, wherein the secondary transaction component isconfigured to generate a request for information associated with the oneor more of the merchant or the at least one primary product.
 14. The oneor more computer storage media of claim 9, wherein the secondarytransaction component is configured to analyze cardholder dataassociated with the cardholder account to identify the presentationdevice.
 15. The one or more computer storage media of claim 9, whereinthe secondary transaction component is configured to generate a requestfor information associated with a cardholder of the cardholder account.16. A computer-implemented method for enhancing one or more financialtransactions, the computer-implemented method comprising: identifying acardholder account used to enter into a first financial transaction ofthe one or more financial transactions; identifying one or more of amerchant or at least one first product associated with the firstfinancial transaction; analyzing cardholder data associated with thecardholder account and account data associated with the one or more ofthe merchant or the at least one first product to determine one or moresecond products configured to enhance the first financial transaction;generating presentation data for presenting, at a presentation device,product information associated with the one or more second products; andreceiving, from the presentation device, selection data associated withat least one second product of the one or more second products such thatthe first financial transaction is enhanced with the at least one secondproduct.
 17. The computer-implemented method of claim 16 furthercomprising: receiving a request for authorization associated with thefirst financial transaction, the request for authorization including anaccount identifier associated with the cardholder account, thecardholder account identified based on the account identifier; anddetermining whether the request for authorization includes one or moreof merchant data associated with the merchant or product data associatedwith the at least one first product; and on condition that the requestfor authorization does not include the one or more of the merchant dataor the product data, generating a request for information associatedwith the one or more of the merchant or the at least one first product.18. The computer-implemented method of claim 16 further comprising:receiving a request for authorization associated with the firstfinancial transaction; and generating the response to the request forauthorization to include the presentation data.
 19. Thecomputer-implemented method of claim 16 further comprising generating arequest for information associated with one or more of a cardholder ofthe cardholder account or the one or more of the merchant or the atleast one first product.
 20. The computer-implemented method of claim 16further comprising analyzing the cardholder data to identify thepresentation device.